HOPE
Hope Bancorp, Inc.11.47
-0.03-0.26%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Deposit repricing details reinforce NIM
Q&A drilled into deposit cost tailwinds, revealing a spot rate of 2.68% and $6.3 billion CDs repricing in 2026—including $2.5 billion in Q1 rolling from 3.99% to 3.75%-3.80% blends. Management tied further declines to non-maturity rate cuts with Fed moves and TMS upgrades for richer deposit mix, while pegging 2026 OpEx growth below 5% to support hiring for loan gains. Hawaii integration clicked without deposit leaks, setting up 2026 growth. CDs repriced $6.3B next year. Answers reaffirmed prepared outlook sans walk-backs. Investors will eye deposit beta and NIM trajectory.
Key Stats
Market Cap
1.47BP/E (TTM)
29.41Basic EPS (TTM)
0.39Dividend Yield
0.05%Recent Filings
10-K
FY2025 results
Hope Bancorp closed FY2025 with net income of $61.6M despite $38.9M securities sale loss and $21.5M Territorial merger costs; excluding notables, core earnings hit $113.3M. Q4 drove momentum as net interest income climbed to $127.4M (+24% y/y derived), fueled by loan growth to $14.7B post-Territorial's $1.1B addition (mostly residential mortgages now 17% of mix) and deposit expansion to $15.6B. Margins held at 2.76% amid Fed cuts, while provision rose to $31.8M on C&I charge-offs (0.81% annualized). Q4 accelerated SBA sales ($12.5M ytd gains). Liquidity strong at $5.6B borrowing lines; $35M buyback remains. CRE concentration risks loom.
8-K
Q4 profit jumps 12%; dividend held
Hope Bancorp posted Q4 net income of $34.5 million, up 12% quarter-over-quarter on higher net interest income, fee revenue surge, and lower credit provisions—yet non-GAAP full-year earnings excluding notables hit $113.3 million. Board declared $0.14 quarterly dividend, payable February 20 to February 6 record holders. Capital stays rock-solid.
8-K
Whang retires; bylaws amended
Hope Bancorp disclosed director Scott Whang's retirement effective at the 2026 Annual Meeting, shrinking the board to nine members—no disagreements noted. On January 15, 2026, the board amended bylaws for majority voting in uncontested elections, stricter stockholder notice rules, and sole authority to fill vacancies. Governance guidelines beefed up Lead Independent Director duties and added CEO succession planning. Board stays steady.
10-Q
Q3 FY2025 results
Hope Bancorp posted Q3 net income of $30.8M, up 28% y/y, with diluted EPS steady at $0.24 (reconciles to 128.6M diluted shares). Net interest income jumped 21% y/y to $126.6M on lower deposit costs (2.88% vs 3.44%) despite softer loan yields, lifting NIM to 2.89% (derived). Provision rose to $8.7M on C&I charge-offs, yet nonperformers ticked to 0.77% of loans. Territorial merger closed April 2025 for $73.3M stock, adding $1.07B loans/$1.67B deposits, $13.9M goodwill, and $46.5M CDI (15-year life). Cash sits at $455M; $6.3B borrowing capacity available. Deposits hit $15.8B. Well-capitalized ratios hold firm. CRE concentrations expose to pricing pressures.
8-K
Q3 profit jumps 28% YoY
Hope Bancorp swung to $30.8 million net income in Q3 2025, up 28% year-over-year, fueled by 8% net interest income growth to $126.6 million and 20 basis point NIM expansion to 2.89%. Loans rose 1.2% to $14.62 billion while criticized loans fell 10%. Board declared $0.14 quarterly dividend, payable November 21.
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